TVS Victor was quite a buzz among young bike enthusiasts between 2002 and 2008. However, with the emergence of better alternatives, Victor fell short to maintain its position. Later, TVS developed Victor variants with well-proportioned muscular contours and an eco-friendly engine.

Whether you own the old or new model, obtaining TVS Victor insurance is mandatory by the Motor Vehicles Act of 1988. Besides, an insurance policy is of great help when talking about financial protection.

In India, a vast number of insurance companies extend two-wheeler insurance policies. One of the most popular among them is Digit Insurance.

On your journey to find the most suitable insurance provider for your bike, you must consider several other factors other than the cost. At Digit, you will find additional offers that will help you elevate your policy coverage. Let us find out what is in the store.

• Flexible Policy Options - Digit presents a range of tailor-made insurance policy plans suitable for its diverse client requirements. The options available are-

• Third-party Policy - Third-party cover is a mandatory insurance policy for every two-wheeler owner in India. In fact, the third-party policy will save you from bearing unnecessary hefty penalties. However, the primary purpose of this plan is to provide financial assistance in case your bike hits another vehicle, property or person. Under this scheme, Digit will take care of all the litigation issues as well.

• Own Damage Policy - Although a third-party Suzuki Hayabusa insurance policy covers third-party damages, it does not cover damages caused to your own bike. Therefore, you might consider obtaining this standalone own damage bike cover and insure your Hayabusa. 

• Comprehensive Policy - It is the most extensive policy Digit offers. Under this plan, you will get both third-party and Own damage protection. That means, if your bike gets damaged in an accident or due to natural disasters, fire, theft or any other incident, Digit will pay or reimburse the repair expenses. Digit also allows you to customise your base plan as well.

• Policy Customisation with Add-ons - You get the chance to elevate your comprehensive policy further with the add-ons Digit offers. They are as follow-

  • Zero depreciation
  • Consumables
  • Roadside assistance
  • Engine protection and others

Note: You can carry these add-ons after TVS Victor insurance policy renewal against additional charges.

• Online Purchasing Facility - Digit brings you the convenience of buying TVS Victor insurance online. Learn more about the options and prices on the official website. For TVS Victor insurance renewal online, sign in to your accounts and pay online to continue the benefits.

• IDV Modification - Digit allows its customers to customise the Insured Declared value to improve their insurance coverage. By increasing the IDV, you can expect higher compensation in the event of theft or irreparable damages.

• Online Claim Filing Option - Now raise a claim instantly in just 3 easy steps at Digit.

  • Dial 1800 258 5956 from your registered mobile number to get the self-inspection link
  • Submit the images of your damaged Victor bike on the link
  • Select any mode of repair from the given options

• Convenient Customer Service - Digit customer care support team, is available 24X7 to solve your Victor insurance-related queries.

• 4400+ Network Garages Across India - Whether at Kashmir or Madhya Pradesh, you will find Digit network bike garages nearby offering cashless repairs against your insurance policy.

Apart from these, you have the leverage to reduce your premiums by opting for voluntary deductibles and avoiding small claims.

Go through the below reasons to understand why a two-wheeler insurance policy is mandatory in India.

1. No Legal Repercussions - On riding motorcycles with valid insurance documents and a driving license, you are free from hefty fines of ₹2,000 and ₹4,000 by the Motor Vehicles Act 1988. Any violation may also lead to license cancellation and jail for up to 3 months.
2. No Third-Party Trouble - Hitting or injuring another vehicle, property, or person makes you liable to bear all the expenses. But with third-party two-wheeler insurance for TVS Victor, you are free from such charges. 
3. Own Damage Coverage - Besides accidents, natural calamities, fire, theft and other such threats can impair your bike severely. A motorcycle insurance policy provides own damage protection to relieve you from hectic financial stress.
4. Personal Accident Protection - Both comprehensive and third-party insurance policies provide this protection. Personal accident cover ensures compensation in case the rider passes away or undergoes permanent or partial disability.
5. No Claim Bonus Benefits - If you complete a year without filing any claim against your insurance policy, your insurer will reward you a No Claim Bonus discount on the subsequent premium.

Digit Insurance offers up to 50% discount on premiums based on the number of claim-free years.

Despite the Government putting a halt to the production of BS4 compliant motorcycles, TVS did not introduce any BS6 alternatives of Victor yet. 

• The older models came installed with a 125 cc engine mated with a 4-speed gearbox offering 10 HP of maximum power and 9.8 Nm of peak torque. TVS claimed a fuel economy of 70 kmpl.

• The BS4 compliant models consisted of a 110 cc single-cylinder motor mated with a 4-speed transmission. It delivered 9 bHP of maximum power and 3 Nm of peak torque. However, Victor provided a fuel efficiency of 59.8 kmpl in average city conditions.

• The later models offered drum brakes at both ends with the disc at the front for the braking setup. Both variants came with Synchronised Braking Technology (SBT).

However, all these features cannot protect your Victor bike from possible accidental damages. Therefore, securing TVS Victor insurance can help you unburden yourself from the hefty repair and replacement bills.